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                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal">
                    <b ><span lang="EN-AU" style="font-size:16.0pt;">Max Finance Pty Ltd</span><span lang="EN-AU"></span></b></p>
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                    <span lang="EN-AU" style="font-size:20.0pt">&nbsp;</span></p>
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                    <span lang="EN-AU" style="font-size:10.0pt">PO Box 94, Hurstville, NSW 2220</span></p>
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                    <span lang="EN-AU" style="font-size:10.0pt;color:red">T:02 8006 9700, F:02 8005 3976</span><span lang="EN-AU" style="font-size:12.0pt;color:red"></span></p>
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        <span lang="EN-AU">&nbsp;</span></p>
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            <b><span lang="EN-AU" style="font-size: 14.0pt; line-height: 115%; font-family: Arial; ">Small Amount Credit Contract (Personal)</span><span lang="EN-AU" style="font-size:14.0pt;line-height:115%;font-family:Arial;"></span></b></p>
        <p class="MsoNormal" style="border:none;padding:0in;padding-top:1.0pt;">
            <b><span lang="EN-AU" style="font-size:10.0pt;line-height:115%;font-family:Arial">Loan Offer Document No<span mso-highlight: lime">.: </span><span>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Date: <span>30/04/2014</span></span></b></p>
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    <p align="center" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:center;line-height:12.05pt;">
        <b><span lang="EN-AU" style="font-size:14.0pt;font-family:Arial;letter-spacing:-.05pt;">Offer</span></b></p>
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            <td style="width:97.6pt;border:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="130">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  12.05pt;">
                    <b ><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial; color:black;letter-spacing:.1pt;">`We`,</span><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;letter-spacing:-.05pt; "></span></b></p>
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            <td colspan="16" style="border-right: 1.0pt solid windowtext; border-top: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  12.2pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; letter-spacing: -.1pt; ">Max Finance Pty Ltd, ABN No.:71 1660569 311, Australian Credit Licence No.;  450312</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:black;letter-spacing:-.1pt;"> </span><b ><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;">(&#39;we&#39;,</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black;letter-spacing:1.05pt;">&nbsp;</span><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;">&#39;us&#39;,&#39;the</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black;letter-spacing:.75pt;"> Credit Provider</span><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;">&#39;)</span></b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial"></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  12.05pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;letter-spacing:-.1pt;">of address <span>PO BOX 94, Hurstville NSW 2220</span></span></p>
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                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;">offer<span style="letter-spacing:.7pt">&nbsp;</span>to<span style="letter-spacing:.7pt">&nbsp;</span>enter<span style="letter-spacing:.7pt">&nbsp;</span>into<span style="letter-spacing:.7pt">&nbsp;</span>a<span style="letter-spacing:.7pt">&nbsp;</span>loan<span style="letter-spacing:.7pt">&nbsp;</span>contract<span style="letter-spacing:  .7pt">&nbsp;</span>with:</span><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial"></span></p>
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                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  14.85pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;letter-spacing:-.1pt;">&nbsp;</span></p>
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            <td style="width:97.6pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="130">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  12.05pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;letter-spacing:-.05pt;  ">Name :</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  12.05pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;letter-spacing:-.05pt;  ">Address:</span></p>
                                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  12.05pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;letter-spacing:-.05pt;">Email Address:<b ></b></span></p>
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            <td colspan="16" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
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                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; letter-spacing: -.05pt; ">Victor110 Victor110</span><b ><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; ">(`you`,</span><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; letter-spacing: .75pt;  ">&nbsp;</span><span lang="EN-AU" style="font-size: 10.0pt; font-family:Arial; color: black;  ">Borrower/ Consumer No.</span><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; letter-spacing: .75pt;  ">&nbsp;</span><span lang="EN-AU" style="font-size: 10.0pt; font-family:Arial; color: black;">1)</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; ">56  Berry Street North Sydney NSW 2060</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black;  ">victor110@morganfinance.com.au</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:black;letter-spacing:-.05pt;"></span></p>
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            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  12.05pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;position:relative;top:-1.5pt; letter-spacing:-.1pt;">This</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black;letter-spacing:1.15pt;">&nbsp;</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:black;position:relative;top:-1.5pt;letter-spacing:  -.15pt;">Small</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black;letter-spacing:.25pt;">&nbsp;</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:black;position:relative;top:-1.5pt;letter-spacing:  .2pt;">Amount</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black;letter-spacing:.9pt;">&nbsp;</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:black;position:relative;top:-1.5pt;letter-spacing:  .05pt;">Credit</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black;letter-spacing:.9pt;">&nbsp;</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:black;position:relative;top:-1.5pt;letter-spacing:  .2pt;">Contract</span><b ><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:black;">&nbsp;</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black;">[Contract]</span></b><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;">&nbsp;</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black;position:relative;top:-1.5pt;letter-spacing:  -.35pt;">is</span><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;letter-spacing:.7pt;">&nbsp;</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black;position:relative;top:-1.5pt;letter-spacing:  .05pt;">made</span><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:black;letter-spacing:.9pt;">&nbsp;</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black;position:relative;top:-1.5pt;letter-spacing:  .15pt;">between the credit provider and the consumer.</span><span lang="EN-AU" style="font-size: 10.0pt; font-family:Arial; color: black; letter-spacing: -.05pt; background: lime;"></span></p>
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                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; letter-spacing: -.05pt;">&nbsp;</span></p>
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            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="center" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:center;line-height:12.05pt;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:red">FINANCE TABLE</span></b><b ><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: red; letter-spacing: -.05pt; background: lime; "></span></b></p>
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            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Loan Amount payable to you </span></b><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; letter-spacing: -.05pt; background: lime; "></span>
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            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; letter-spacing: -.05pt; ">$1000</span></p>
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                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  12.05pt;">
                    <b><span lang="EN-AU" style="font-size:  10.0pt;font-family:Arial">Ascertainable fees:</span></b><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; letter-spacing: -.05pt; background: lime; "></span></p>
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            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Establishment fee<b></b></span></p>
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            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">$200<b></b></span></p>
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            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">First monthly fee<b></b></span></p>
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            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">$40</span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial"></span></b></p>
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            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Sub-total ascertainable fees</span></b><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;">, payable on settlement date<b></b></span></p>
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            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family:Arial;">$240</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial; "></span></p>
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            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Credit Amount Total loan (<span>total loan</span>/loan principal)</span></b><span lang="EN-AU" style="font-size:10.0pt;font-family:  Arial">, as at settlement date:<b></b></span></p>
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            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">$1240</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></p>
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            <td colspan="9" style="width:264.9pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="353">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Other permitted monthly fees (if applicable), payable equally apportioned over all payment dates:<b></b></span></p>
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            <td colspan="2" style="width:130pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;    padding:0in 5.4pt 0in 5.4pt" valign="top" width="84">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">(per month) </span></p>
                <p class="MsoNormal" style="margin-top:0in;margin-right:20.0pt;margin-bottom:  0in;margin-left:0in;margin-bottom:.0001pt;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family:Arial;">$12.2</span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial"></span></b></p>
            </td>
            <td colspan="5" style="width:150pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;    padding:0in 5.4pt 0in 5.4pt" valign="top" width="121">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">No. of months</span></p>
                <p class="MsoNormal" style="margin-top:0in;margin-right:15.0pt;margin-bottom:  0in;margin-left:0in;margin-bottom:.0001pt;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family:Arial; ">after 1<sup>st</sup> fee:</span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
            </td>
            <td class="auto-style1" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">5</span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial"></span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Sub-total other permitted monthly fees:<b></b></span></p>
            </td>
            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">$200</span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial"></span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Total permitted fees payable, whole contract term:<b></b></span></p>
            </td>
            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">$440</span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Total amount of interest charged <b></b></span>
                </p>
            </td>
            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Nil<span ></span></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="9" style="width:264.9pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="353">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Permitted direct debit facilitation fee (if applicable), payable each repayment to credit provider, as reimbursement for payment to third party:</span></p>
            </td>
            <td colspan="5" style="width:91.7pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="122">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">$15.75</span><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial"> (at cost)</span></p>
            </td>
            <td colspan="2" style="width:61.9pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="83">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">No. of payments</span></p>
            </td>
            <td class="auto-style1" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">24</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial"></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="14" style="width:356.6pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="475">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Term of loan<b> </b></span><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial">(whole months) </span>
                </p>
            </td>
            <td colspan="2" style="width:61.9pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="83">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">6</span></p>
            </td>
            <td class="auto-style1" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">months</span></p>
            </td>
        </tr>
        <tr >
            <td colspan="16" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; width:558px; padding:0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:12.0pt;font-family:'Times New Roman';">Total permitted direct debit fees, whole contract term:</span><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: red; background: lime; "></span></p>
            </td>
            <td class="auto-style1" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                 <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; "><span style="color:red">$26.40</span></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:12.0pt;font-family:'Times New Roman';">TOTAL AMOUNT TO BE REPAID, UNDER THIS</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:12.0pt;font-family:'Times New Roman';">CONTRACT (sum of repayment):</span><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:red"></span></b></p>
            </td>
            <td colspan="2" style="text-align:right; border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:red">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial; color:red">$1466.4</span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:12.0pt;font-family:'Times New Roman';">TERM OF LOAN </span></b><span lang="EN-AU" style="font-size:12.0pt;font-family:'Times New Roman';">(whole months) (subject to satisfactory repayment by the consumer):<b></b></span></p>
            </td>
            <td style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                 <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;"> 6</span></p>
        </td>
            <td style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                 <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:red">Months</span></b></p>
          </td>
        </tr>
        <tr >
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:red">Repayment Schedule</span></b><span lang="EN-AU" style="font-size: 10.0pt; font-family:Arial; color: red; background: lime; "></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Repayment amounts (</span></b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  ">inclusive of principal and fees)<b><span style="color:red"></span></b></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="11" style="width:327.7pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="437">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Commencement date </span></b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">(settlement date):</span></p>
            </td>
            <td colspan="6" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">30/04/2014</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></p>
            </td>
        </tr>
        <tr>
            <td colspan="10" style="width:307.45pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="410">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Amount of each equal repayment</span></p>
            </td>
            <td colspan="5" style="width:66.5pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt; padding:0in 5.4pt 0in 5.4pt" valign="top" width="89">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family:Arial;">$60.00</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></p>
            </td>
            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;  ">Week</span></p>
            </td>
        </tr>
        <tr >
            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Date of first repayment</span></b><span lang="EN-AU" style="font-size:10.0pt;font-family:  Arial;"></span></p>
            </td>
            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;   padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">7/05/2014</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Date of final repayment</span></b><span lang="EN-AU" style="font-size:10.0pt;font-family:  Arial"></span></p>
            </td>
            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">15/10/2014</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="15" style="width:373.95pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="499">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Number of repayments</span></p>
            </td>
            <td colspan="2" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">24</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">PLEASE NOTE: The permitted establishment and monthly fees are as prescribed in the National Consumer Credit Protection Act 2009 and associated Regulations, as amended. The calculation interpretation adopted is consistent with various Commonwealth Department of Treasury examples and explanation provided during 2012/13 and with example 5.1 at pages 76 and 77 of the Revised Explanatory Memorandum concerning the Consumer Credit Legislation Amendment (Enhancements) Bill 2012, created 13 August 2012 and circulated by the Authority of the Minister for Financial Services and Superannuation, the Hon. Bill Shorten MP. Permitted establishment and monthly fees are applied in accordance with advice provided</span></p>
            </td>
        </tr>
        <tr >
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial"></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Repayment Method</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Unless otherwise stipulated, the Consumer agrees to repayment by way of direct debit facility, to be received on or by the due instalment date/s. The Credit Provider does not charge for this arrangement.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">If a repayment arrangement is facilitated by the consumer&#39;s financial institution, the financial institution may charge a fee. If direct debits are facilitated by a third party service provider, this will be subject to a separate agreement between the Consumer and that third party service provider. In such circumstances, the Credit Provider shall not receive any direct financial benefit and shall not be liable for any element of that arrangement.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">If the third party service provider&#39;s fee is paid by the Credit Provider on behalf of the consumer, the</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">consumer will reimburse the Credit Provider, at cost, with each scheduled repayment.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Should the consumer wish to alter the arrangement in any way, the consumer must contact the Credit Provider at least forty-eight (48) hours before the due date for the processing of the payment. Failure to do so will result in the transaction proceeding and may create a default.</span></p>
            </td>
        </tr>
        <tr >
            <td colspan="11" style="width:327.7pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="437">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
            </td>
            <td colspan="6" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;   padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:12.05pt;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
            </td>
        </tr>
        <tr >
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Disbursement of Credit Amount</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">At settlement date, the following amounts from the credit amount will be disbursed as indicated:</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
            </td>
        </tr>
        <tr >
            <td colspan="13" style="width:349.55pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="466">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Permitted ascertainable fees , payable to the Credit Provider<b></b></span></p>
            </td>
            <td colspan="4" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">$240</span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="13" style="width:349.55pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="466">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Net loan payable to you </span>
                </p>
            </td>
            <td colspan="4" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;    padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="right" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:right;line-height:normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;  ">$1000</span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The net loan amount (adjusted credit amount), payable to the Consumer, will be disbursed to the following bank account as requested by the Consumer:<b></b></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="2" style="width:115.55pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="154">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><i><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">ACCOUNT 1</span></i><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
            </td>
            <td colspan="5" style="width:114.0pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="152">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
            <td colspan="5" style="width:113.85pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt; padding:0in 5.4pt 0in 5.4pt" valign="top" width="152">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
            <td colspan="5" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="2" style="width:115.55pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="154">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Account</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Name:</span></b></p>
            </td>
            <td colspan="5" style="width:114.0pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="152">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;  ">3456<b></b></span></p>
            </td>
            <td colspan="5" style="width:113.85pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt; padding:0in 5.4pt 0in 5.4pt" valign="top" width="152">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
            <td colspan="5" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="2" style="width:115.55pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="154">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">BSB:</span></b></p>
            </td>
            <td colspan="5" style="width:114.0pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="152">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;  ">2345<b></b></span></p>
            </td>
            <td colspan="5" style="width:113.85pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt; padding:0in 5.4pt 0in 5.4pt" valign="top" width="152">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
            <td colspan="5" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="2" style="width:115.55pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="154">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Account No.:</span></b></p>
            </td>
            <td colspan="5" style="width:114.0pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="152">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;  ">4567<b></b></span></p>
            </td>
            <td colspan="5" style="width:113.85pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="152">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">&nbsp;</span></b></p>
            </td>
            <td colspan="5" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="2" style="width:115.55pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="154">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Amount:</span></b></p>
            </td>
            <td colspan="5" style="width:114.0pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="152">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family:Arial;  ">$1000<b></b></span></p>
            </td>
            <td colspan="5" style="width:113.85pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="152">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
            <td colspan="5" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top" class="auto-style3">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Unascertainable Fees and Charges</span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">During the Term of the Contract, the Consumer may become liable for one or more of the following additional credit fees or charges, which are unascertainable at the time of entering this Contract. Due on date of provision of facility, service or date stipulated on notice and payable before or with the next scheduled repayment, if applicable:<b></b></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="3" style="width:147.2pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="196">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Other Fees and Charges</span></b></p>
            </td>
            <td colspan="2" style="width:62.9pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="84">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Amount</span></b></p>
            </td>
            <td colspan="12" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Description</span></b></p>
            </td>
        </tr>
        <tr >
            <td colspan="3" style="width:147.2pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="196">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Direct debit dishonour fee on default <b></b></span>
                </p>
            </td>
            <td colspan="2" style="width:62.9pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="84">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">$16.76<b></b></span></p>
            </td>
            <td colspan="12" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">When any direct debit repayment is</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">dishonoured, payable next day after dishonour<b></b></span></p>
            </td>
        </tr>
        <tr >
            <td colspan="3" style="width:147.2pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="196">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Cheque dishonour fee <b></b></span>
                </p>
            </td>
            <td colspan="2" style="width:62.9pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="84">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">$20.35<b></b></span></p>
            </td>
            <td colspan="12" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">When any cheque is dishonoured, payment on</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Financial institution notification of default<b></b></span></p>
            </td>
        </tr>
        <tr>
            <td colspan="3" style="width:147.2pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="196">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Instalment Variation/admin fee<b></b></span></p>
            </td>
            <td colspan="2" style="width:62.9pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="84">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">$22.85<b></b></span></p>
            </td>
            <td colspan="12" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">When any repayment/s are varied or</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">rescheduled, payable following variation/rescheduling<b></b></span></p>
            </td>
        </tr>
        <tr>
            <td colspan="3" style="width:147.2pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="196">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Late or missed payment fee</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">On default<b></b></span></p>
            </td>
            <td colspan="2" style="width:62.9pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="84">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">$18.86<b></b></span></p>
            </td>
            <td colspan="12" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">When any repayment is missed or any manual Payment is received after the due date, payable day after due date<b></b></span></p>
            </td>
        </tr>
        <tr>
            <td colspan="3" style="width:147.2pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="196">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Early Termination fee<b></b></span></p>
            </td>
            <td colspan="2" style="width:62.9pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt; padding:0in 5.4pt 0in 5.4pt" valign="top" width="84">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">$20.9<b></b></span></p>
            </td>
            <td colspan="12" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Where termination follows in the event of one or more defaults, payable on or before the finalisation of the termination<b></b></span></p>
            </td>
        </tr>
        <tr>
            <td colspan="3" style="width:147.2pt;border:solid windowtext 1.0pt;  border-top:none;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="196">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Enforcement Expenses</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">(debt recovery)<b></b></span></p>
            </td>
            <td colspan="2" style="width:62.9pt;border-top:none;  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;  padding:0in 5.4pt 0in 5.4pt" valign="top" width="84">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">At cost<b></b></span></p>
            </td>
            <td colspan="12" style="border-bottom: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt;   padding: 0in 5.4pt 0in 5.4pt; border-left-style: none; border-left-color: inherit; border-left-width: medium; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Follows un-remedied default, payable following</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">recovery activity<b></b></span></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Should all or any part of the above fees be incurred by the Consumer and remain unpaid at the end of the contract term, they may attract further permitted monthly fees, being 4% of the net loan amount.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Following default, any payment received from the Consumer will first be allocated to the above outstanding fees and, thereafter, to the outstanding loan principal.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b ><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:#A6A6A6;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="center" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:center;line-height:normal;">
                    <b ><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:red">TERMS AND CONDITIONS</span></b><b><span lang="EN-AU" style="font-size:10.0pt;font-family:  Arial;"></span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer&#39;s Right to Terminate this Contract</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer is entitled to terminate or pay out this Small Amount Credit Contract at any time prior to the final payment date specified in this Contract. Please note that there is no reimbursement for any fee or charge that has become payable before the termination. Any amount that remains unpaid prior to termination, must be paid before the Contract is terminated by the Consumer.<b></b></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Max Finance&#39;s Right to Terminate this Contract</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Max Finance may terminate this contract in the following circumstances:</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">(a) the Consumer is in default; and/or</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">(b) information provided by the Consumer is found to be false, inaccurate and/or forged.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer may terminate this contract at any time before the receipt of loan funds.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Statement of Pay Out Figure</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">At the Consumer’s request, Max Financewill provide a written statement of the amount required to pay out this Small Amount Credit Contract, as at the nominated date of payout. Such statement will be provided within seven (7) days of the Consumer’s request.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Government Warning</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer attests that, prior to being offered a loan and entering into this credit contract, the Consumer had the opportunity to read or hear and fully understand the Government mandated warning encouraging the Consumer to consider alternatives to this credit contract</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Personal Financial Information</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In negotiating this Contract, at <span>Max Finance’s</span> request, the Consumer/s have provided, accurate information regarding the Consumer/s:</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">1. income;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">2. rent/mortgage payments;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">3. expenses; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">4. number of Dependents; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">5. current bank statement/s or bank transaction listing/s covering the immediate past period of 90 days, and/or</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">6. other relevant document.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer certifies that they have been truthful and fulsome in revealing their personal financial circumstances.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Assessment of Suitability</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer acknowledge that an assessment took place, with reasonable enquiry and request for information as to the Consumer&#39;s ability to repay the loan and the Consumer was advised that they could have a copy of the assessment report, should they request such. The consumer acknowledges that this loan satisfies their requirements and objectives.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Breach or Default and Acceleration</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In the unfortunate event that the Consumer breaches or defaults, under this Contract, in particular failing to make any payment on time and in full, as required under this loan contract, the Consumer agrees to pay the amounts indicated in the above unascertainable fees and charges table, as applicable.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">These fees and charges shall be due and payable, in total, immediately, or on or before the date/s as may be determined in accordance with Changed Financial Circumstances below, as otherwise specified by <span>Max Finance</span> or, in the absence of such date, within thirty (30) days of the breach or default.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In the event of such payment in total not being received by <span>Max Finance</span> on, or by, the repayment date/s and/or the Consumer failing to repair the breach or default to the satisfaction of <span>Payday King</span>,</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">Max Finance</span><span lang="EN-AU" style="font-size:10.0pt; font-family:Arial;"> reserves the right to recover all money owed, plus all repayments due over the balance of the term of the loan, by way of debt collection and/or prosecution in the relevant court or tribunal.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Such money includes the total principal, all permitted ascertainable and unascertainable fees</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">outstanding, all permitted ascertainable fees due during the remainder of the term, administration and recovery expenses reasonably incurred by the use of <span>Max Finance’s</span> staff and facilities, plus the cost involved in the engagement of a collection agent and/or solicitor and/or barrister and/or other relevant professional adviser, to assist in the debt recovery process. <span>Max Finance</span> will seek recovery of these costs in full.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Extension of Loan Term</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In the event that any part of the net loan amount, permitted fees and/or unascertainable fees remain outstanding at the conclusion of the contracted term, at its absolute discretion, <span>Max Finance</span> may consider that the term of the loan has been extended and seek the payment of appropriate monthly permitted fees, as applicable, plus the other amounts outstanding.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Postponement of Exercise of Rights by The Debtor</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">If the Consumer has been given a Default Notice - at any time before the end of the remedy period specified in the Default Notice, the Consumer may contact <span>Max Finance</span> to attempt to negotiate a possible postponement of <span>Max Finance’s</span> enforcement proceedings, or of any action taken under such proceedings. Such postponement will be at <span>Max Finance’s</span> discretion.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">If postponement is granted, <span>Max Finance</span> will give written notice of the conditions of a postponement, no later than twenty-one (21) days after agreement is reached. The written notice will also set out the consequences if the Consumer does not comply with the conditions of the postponement. Should the Consumer not comply with the conditions of a postponement, under the National Credit Code, <span>Max Finance</span> is not required to give further notice before proceeding with enforcement action.</span>
                </p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer understands that the law does not provide any opportunity to lodge a postponement application following the period of 30 days after the Consumer receives a Default Notice.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">Default</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">You will be in default if you:</span></p>
                <p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;  margin-left:.5in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:blue">(a) fail to pay us on time any amount due; or</span></p>
                <p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;  margin-left:.5in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:blue">(b) do not do what you have agreed to do; or</span></p>
                <p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;  margin-left:.5in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:blue">(c) do what you have agreed not to do; or</span></p>
                <p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;  margin-left:.5in;margin-bottom:.0001pt;line-height:normal;  ">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:blue">(d) are in breach of any warranty you have given us.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Default Notices</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In the event of a default, <span>Max Finance</span> will send the Consumer a Standard Default Notice, a <span>Form 11 – D</span>irect Debit Default Notice (if applicable) and a <span>Form 12</span> – Information About Debtor’s Rights After Default Notice, together, within fourteen (14) days after the default.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The default notices will specify the default and action necessary to remedy or resolve it. It will state that, if the default is not remedied by the Consumer within the thirty (30) day period applicable, or should the remedy applied to the original default subsequently fail during the period specified for remedy, the default may be the subject of enforcement proceedings by <span>Max Finance</span> without further notice. If the default is remedied within the specified time, the contract is deemed to be reinstated and no further action for recovery will occur for that particular default. All Default Notices issued under this clause shall be in writing and given to the Consumer in the manner prescribed below under the heading</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">“<i>Method of Giving Notices&quot;.</i></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">When a Default Notice is Not Required</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In accordance with Section 88(5) of the National Credit Code, <span>Max Finance</span> is not required to give a Default Notice, or wait until the period specified in the Default Notice has elapsed, before beginning proceedings, if:</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">1. <span>Max Finance</span> believes, on reasonable grounds, that it was induced to provide the loan by fraudulent actions on the part of the Consumer; and/or</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">2. <span>Max Finance</span> has made reasonable attempts to locate the Consumer, but without success; and/or </span>
                </p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">3. The Court authorises <span>Max Finance</span> to begin the enforcement proceedings.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Default Cost</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In the event that repayments including principal, permitted monthly fees and unascertainable fees and charges (if any) remain outstanding at the time the loan was scheduled to conclude in accordance with the Contract, the Consumer/s hereby agree that the loan term will extend and each month will incur a continuation of the permitted monthly fee liability, until the full amount has been repaid, or such total amount owing has reached an amount prescribed in the National Consumer Credit Protection Act.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Other Dishonour Fee/s</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer may be charged dishonour fees by their financial institution, should the Consumer default on their repayment, resulting in a declined direct debit. The Consumer should avoid defaulting on repayments to limit these fees.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Changed Financial Circumstances</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In the event of the Consumer&#39;s financial circumstances adversely changing during the period of the loan, due to illness, unemployment or other reasonable circumstances, the Consumer agrees to contact <span>Max Finance</span> at the earliest opportunity. Such contact must be made at least forty-eight (48) hours before any prescribed repayment date and <span>Max Finance</span> will consider this a hardship application by the Consumer.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Only in such adverse circumstances, and subject to agreement by both the Consumer and Max Finance, will the terms of the Contract be varied. These changes may include:</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">1. Rescheduling one or more payments; and/or</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">2. Extending the period of the Contract and reducing the payments; and/or</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">3. Postponing, during a specified period, the dates on which payments are due under the Contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Notice of Change on Grounds of Hardship</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer acknowledges that:</span></p>
                <ul>
                    <li style="font-size:10.0pt;font-family:Arial;">
                        the law provides for a delay of up to 42 days, if an application for financial hardship is not accompanied with information to assist Max Financeto make an informed decision;
                    </li>
                     <li style="font-size:10.0pt;font-family:Arial;">
                       during that time, monthly permitted fees and default costs will continue to accumulate;
                    </li>
                     <li style="font-size:10.0pt;font-family:Arial;">
                       Max Finance cannot accept a hardship application if the Consumer is unlikely to be able to meet any altered obligations, or if the reasons for the application do not reflect circumstances such as genuine illness, unemployment or other serious reasons;
                    </li>
                     <li style="font-size:10.0pt;font-family:Arial;">
                       on the advice of the Government Minister responsible, hardship relief will not be approved if a reasonable explanation is not available;
                    </li>
                     <li style="font-size:10.0pt;font-family:Arial;">
                       the Act does not demand that Max Finance approve a hardship application. This decision is entirely up to Max Finance;
                    </li>
                     <li style="font-size:10.0pt;font-family:Arial;">
                       the Consumer can make a hardship application in writing; or
                    </li>
                     <li style="font-size:10.0pt;font-family:Arial;">
                       if a Consumer chooses to make a hardship application orally, Max Financewill complete a form<br />
                       including the detail provided by the Consumer/s and ask the Consumer/s to check it and sign it,<br />
                       indicating it represents a true record of what the Consumer/s told Max Finance’s representative.
                    </li>
                </ul>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">If <span>Max Finance</span>accepts and enters into an agreement with the Consumer for a change on grounds of hardship, then <span>Max Finance</span>will, within thirty (30) days after the date of the agreement, write to the Consumer, setting out the particulars of the change in the Terms of the Small Amount Credit Contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer/s acknowledge/s that any change to the Small Amount Credit Contract, as a result of a successful hardship application, are binding on both the Consumer and <span>Payday King.</span></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In the event that <span>Max Finance</span> refuses the Consumer&#39;s application, the Consumer has the right to contact <span>Max Finance’s</span> External Dispute Resolution Scheme (see below).</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">Disputes</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">In the event that <span>Max Finance</span> refuses the Consumer&#39;s application, or in the event of a dispute, the Consumer must first contact <span>Max Finance’s</span> Internal Dispute Resolution Manager (IDR) by writing to the IDR Manager, <span>PO Box 1858, Broadbeach QLD 4218</span>, or by email </span><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: blue; ">IDR@maxfinance.com.au</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:blue"> </span><span lang="EN-AU" style="font-size:10.0pt;font-family:  Arial;color:black">or facsimile:<span>1300 765 608</span>, as soon as possible. The matter can usually be resolved without delay.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">In the unlikely event that your matter is not resolved to the Consumer&#39;s satisfaction, the Consumer may then contact our External Dispute Resolution Scheme, <span>Financial Ombudsman Service Limited (FOS), by writing to GPO Box 3, Melbourne VIC 3001, telephoning: 1300 78 08 08, emailing </span></span><span lang="EN-AU"><a href="mailto:info@fos.org.au"><span style="font-size: 10.0pt; font-family: Arial; ">info@fos.org.au</span></a></span><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; ">, or via their website, </span><span lang="EN-AU"><a href="http://www.fos.org.au">
                    <span style="font-size: 10.0pt; font-family: Arial; ">www.fos.org.au</span></a></span><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; ">.</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black"></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Statement of Accounts</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">No periodic statements are provided under the Contract. However, <span>Max Finance</span>will provide a Statement indicating the amount outstanding within fourteen (14) days of a written request made by the Consumer</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Insurance Financed by Contract</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">No insurance premium is payable under this contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Changed Residential Address/Contact Details</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In the event of changes to the Consumer&#39;s residential address and associated contact details during the period of the loan, the Consumer agrees to contact <span>Max Finance</span>at the earliest possible opportunity to notify <span>Max Finance</span>of such change.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In the absence of such notification, <span>Max Finance</span>shall not be liable to the Consumer for any loss, embarrassment or inconvenience caused by the Consumer&#39;s failure to do so.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Privacy Policy</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">The Consumer hereby acknowledges the separate Privacy Protection Policy and Statement available for viewing and download at our website located at </span><span lang="EN-AU"><a href="http://www.MaxMoney.com.au"><span style="font-size: 10.0pt; font-family: Arial;">www.</span><span style="font-size:10.0pt;font-family:Arial;">MaxMoney.com.au</span></a></span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial; color:blue"> </span><span lang="EN-AU" style="font-size:10.0pt;font-family: Arial;color:black">and deemed to be incorporated into and form part of the Contract by this reference. This agreement providing for the lawful collection, storage and access to information by listed parties, concerning the Consumer’s financial affairs under the (Cth) <i>Privacy Act 1988 </i>(as amended). Such activities may include the involvement of <span>Max Finance</span> and their trained staff for the approval and administration of credit contracts, <span>Max Finance’s</span> professional advisers in any reasonable circumstance, one or more credit reporting agencies that provide credit checks, an agent of the consumer or <span>Max Finance</span> assisting with the mandatory examination of the Consumer’s bank, building society and/or credit union statements during the credit application process and, in the event of an unrepaired 
                    default, <span>Max Finance’s</span> collection agents and lawyers. In addition, <span>Max Finance</span> may collect information now under the provisions associated with the positive credit reporting regime, due to commence in March 2014, but will not disclose such information to credit reporting agencies until after the commencement date in March 2014.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">In the event that the Consumer approves a third party accessing their bank account details, the</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">Consumer hereby gives approval for <span>Max Finance</span> to be provided with access to the reports generated by the third party. The consumer will not hold <span>Max Finance</span> liable, in whole or part, for any action undertaken by the third party or for any direct or indirect adverse result.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Electronic Transactions Act 1999</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer/s consent to the electronic formation and receipt of all communications from <span>Max Finance</span> in accordance with the <i>Electronic Transactions Act 1999 </i>and as may be permitted by the <i>National Consumer Credit Protection Act 2009. </i>Such communications being sent to the Consumer/s email, SMS and/or fax address/es, as provided by the Consumer and included in this Contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Assignment of Contract</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">Max Finance</span><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;"> may at its discretion, assign, negotiate and/or transfer to any person, trust or other entity, or otherwise deal in any manner with any of its right, obligations or interests under the Contract. Notice of such action shall be in writing and be given to the Consumer in the same manner as prescribed below.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Method of Giving Notices</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Any notice required to be given to the Consumer shall be in writing and delivered / communicated to the Consumer’s address, as provided by the Consumer to Max Finance, personally, or by prepaid mail, email or by facsimile. If provided by mail, it shall be deemed to have been received by the Consumer, on the date when it would have been delivered in the ordinary course of Australia Post services. If by facsimile, it shall be deemed to have been received by the Consumer in accordance with the time and date indicated on the facsimile receipt, or on the day sent, if by email. Where there is more than one Consumer, delivery to one shall be deemed delivery to all.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Severability</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Should any provision of this Contract prove to be prohibited or unenforceable in any jurisdiction then, as to that jurisdiction, it shall be ineffective to the extent only of such prohibition or unenforceability without invalidating the remaining provisions of this Contract, or affecting the validity or enforceability of such provision in any other jurisdiction.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Indemnity</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The Consumer hereby indemnifies <span>Max Finance</span> against any liability, loss; cost, charges or expenses arising as a consequence of any dishonour or default under this Contract, or any other associated document.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">When requested by us, you must pay any Enforcement Expenses we reasonably incur, but we may, without making demand, debit them to your account and they will form part of the Outstanding</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">Balance.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">Certificates</span></b>
                </p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">We may give you a certificate about any matter concerning this contract, including any amount payable in connection with your loan. Unless you prove that our certificate is incorrect, it is sufficient evidence of the matter or amount.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">No Waiver of Our Rights </span></b>
                </p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">We do not waive any of our rights under this Contract, unless we do so in writing.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">If we waive our rights, this does not change or reduce our rights unless the law says it does or we tell you in writing it does.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">Governing Law</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">This Contract is governed by the law in force in the State of New South Wales. You irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of that State and courts of appeal from them.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">CREDIT PROVIDER’S CREDIT GUIDE</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">As an intending borrower, we provide you with the following Credit Guide, which must be provided to you in writing, in accordance with Section 126 of the <i>National Consumer Credit Protection Act 2009.</i></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Licensee’s name, contact details and Australian Credit Licence Number (being a Credit Provider):</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">Name: </span><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: #004081; ">Max Finance Pty Ltd ACN </span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:#004081"></span>
                </p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">Address: </span><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: #004081;">PO Box 155, Hurstville BC, NSW 1481 </span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:#004081">Telephone: 02 8006 9700</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:#004081">Facsimile: 02 8005 3976</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">Australian Credit Licence Number: </span><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;color:#004081"> 450312 </span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:#004081">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">Licensee&#39;s procedure for resolving disputes:</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">In the event of any complaint, dispute or hardship issue, please first contact our Internal Dispute</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">Resolution department on the contact details below. All disputes or hardship complaints to our IDR</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">department are treated seriously and promptly and this service is offered at no charge to you.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">Internal Dispute Resolution Contact Details:</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: #004081;">Max FinanceIDR Manager</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: #004081; ">PO Box 1858</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: #004081;  ">Broadbeach QLD 4218</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: #004081; ">Ph: 1300 660 531</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: #004081;  ">Fax: 1300 765 608</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: #004081; ">Email: </span><span lang="EN-AU"><a href="mailto:IDR@paydayking.com.au"><span style="font-size: 10.0pt; font-family: Arial; ">IDR@paydayking.com.au</span></a></span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:blue"></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">External Dispute Resolution procedure:</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">In the unlikely event that your complaint or dispute is not settled with our IDR department to your</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">satisfaction, you may then contact our External Dispute Resolution organisation as set out below.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal;">
                    <b><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; ">External Dispute Resolution (EDR) Contact Details:</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black;  ">Financial Ombudsman Service Limited (FOS)</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black; ">GPO Box 3, Melbourne VIC 3001;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black;  ">Ph: 1800 78 08 08</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; color: black;  ">Website: </span><span lang="EN-AU"><a href="http://www.fos.org.au"><span style="font-size: 10.0pt; font-family: Arial; ">www.fos.org.au</span></a></span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;  color:blue"></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:blue">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">A copy of our final assessment of your loan application is available for you on your request (in accordance with Section 132, <i>National Consumer Credit Protection Act 2009). </i>This will be provided at no charge to you</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">.</span>
                </p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">Recommendation of contract unsuitability details:</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black"> &#9679; Under Sections 128 and 129 of the <i>National Consumer Credit Protection Act 2009, </i>we are obliged to assess if the credit contract you seek is unsuitable.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height: normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black"> &#9679; Under Section 131, we are obliged to advise you that we will not participate in the arrangement of a loan for you, if that loan would be unsuitable, “unsuitability” being assessed on the following:</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">1. Whether or not you will be able to comply with the financial obligations under the contract, without</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">substantial hardship, if at all;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">2. Whether or not the contract will meet your requirements and objectives;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">3. Whether or not the contract meets requirements imposed by regulation, from time to time;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">4. It involves us, as a credit provider, making enquiry about your financial circumstances;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;"> 
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">5. According to whether or not we believe the information to be true.</span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">This process involves us, as a credit provider, making enquiries about your financial circumstances and assessing whether or not the information available is accurate.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Government “Warning” notice</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In accordance with Section 133CB(1) of the <i>National Consumer Credit Protection Act 2009</i>(as amended) and Regulations 28XX, 2012 made under that Act, the Credit Provider expects all intending or potential consumers to read this sign before making an offer, or accepting an offer, to enter into a credit contract with the company. This sign is available at the front of all relevant business premises and on the company’s website.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Bank Statements</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">In accordance with Section 130(1A) of the <i>National Consumer Credit Protection Act 2009</i>(as amended), the Credit Provider is required to review consumer bank statements, or a report on such statements, covering account transactions over the last 90 days. Please arrange for these to be available in print form, or for the credit provider or its agent to have access electronically to your bank records.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Privacy</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Under the 2012 amendments to the Commonwealth <i>Privacy Act 1988, </i>including Sections 6N, 18E and 21C, the Credit Provider is encouraged to collect more information concerning consumers, their credit history and current circumstances than ever before. If you proceed with your loan application, please read carefully the detail in the Privacy Agreement, which the Credit Provider will give you.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Should you successfully proceed with your loan application and there is ever an issue concerning privacy, please request a copy of the Credit Provider’s Privacy Complaints Policy. This policy details your rights and the procedures to be followed to address your concerns.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">General Advice</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">If you proceed with your loan application, you will be provided with extensive documentation. Please do not get annoyed with the Credit Provider. The Federal Government, fully supported by the Opposition, has made a number of laws and regulation insisting on all this documentation.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">When you receive the documentation, please remember that the Government and the Opposition expect you to read every word and ask any and all questions you might have of the Credit Provider, to ensure you fully understand what all the documents say and mean.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">When you sign your contract – it will be legally stated and assumed by the Credit Provider that you have read everything and that you completely understand everything.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">If you do not, and if you have not read the Government “Warning” sign, please do not sign the contract offered. Once you sign the contract, it is legally binding on you.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">We hope this information is of assistance and thank you for your credit enquiry.<b></b></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="center" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:center;line-height:normal; ">
                    <b><span lang="EN-AU" style="font-family: Arial;">INFORMATION STATEMENT</span><span lang="EN-AU" style="font-family:Arial;"></span></b></p>
                <p align="center" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;  text-align:center;line-height:normal;">
                    <b><span lang="EN-AU" style="font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-family:Arial;">THINGS YOU SHOULD KNOW ABOUT YOUR PROPOSED CREDIT CONTRACT</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">This statement tells you about some of the rights and obligations of yourself and your credit provider. It does not state the terms and conditions of your contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">If you have any concerns about your contract, contact your credit provider and, if you still have concerns, your Government Consumer Agency, or get legal advice.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-family:Arial;">The Contract</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">1. How can I get details of my proposed credit contract?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Your credit provider must give you a pre-contractual statement containing certain information about your contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">The pre-contractual statement, and this document, must be given to you before -</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> &#9679; your contract is entered into; or</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> &#9679; you make an offer to enter into the contract;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">whichever happens first.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">2. How can I get a copy of the final contract?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">If the contract document is to be signed by you and returned to your credit provider, you must be given a copy to keep.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Also, the credit provider must give you a copy of the final contract within 14 days after it is made. This rule does not, however, apply, if the credit provider has previously given you a copy of the contract document to keep. If you want another copy of your contract write to your credit provider and ask for one. </span>
                </p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Your credit provider may charge you a fee. Your credit provider has to give you a copy -</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:  justify;text-justify:inter-ideograph;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;"> &#9679; within 14 days of your written request if the original contract came into existence 1 year or less before your request; or</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:  justify;text-justify:inter-ideograph;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial">&#9679; otherwise within 30 days of your written request.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">3. Can I terminate the contract?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Yes. You can terminate the contract by writing to the credit provider so long as :</span></p>
                <p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;  margin-left:7.1pt;margin-bottom:.0001pt;text-indent:-7.1pt;line-height:normal; ">
                    <![if !supportLists]><span lang="EN-AU" style="font-size:10.0pt;font-family:Symbol;"><span>·<span style="font-size:7.0pt;font-family:'Times New Roman';">&nbsp; </span></span></span><![endif]><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">you have not obtained any credit under the contract; or</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&#9679;a card or other means of obtaining credit given to you by your credit provider has not been used to acquire goods or services for which credit is to be provided under the contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">However, you will still have to pay any fees or charges incurred before you terminated the contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">4. Can I pay my credit contract out early?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Yes. Pay your credit provider the amount required to pay out your credit contract on the day you wish to end your contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">5. How can I find out the pay out figure?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">You can write to your credit provider at any time and ask for a statement of the pay out figure as at any date you specify. You can also ask for details of how the amount is made up.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Your credit provider must give you the statement within 7 days after you give your request to the credit provider. You may be charged a fee for the statement.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">6. Will I pay less if I pay out my contract early?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Yes. The amount you can be charged depends on the actual time money is owing. However, you may have to pay an early termination charge (if your contract permits your credit provider to charge one) and other fees.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">7. Can my contract be changed by my credit provider?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Yes, but only if your contract says so.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">8. Will I be told in advance if my credit provider is going to make a change in the contract?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">That depends on the type of change. For example -</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> &#9679; you get at least same day notice for a change to an annual percentage rate. That notice may be a written notice to you or a notice published in a newspaper.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> &#9679; you get 20 days advance written notice for –</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">- a change in <i>credit fees and charges</i>; or</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">- any other changes by your credit provider;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">except where the change reduces what you have to pay or the change happens automatically under the contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">9. Is there anything I can do if I think that my contract is unjust?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Yes. You should first talk to your credit provider. Discuss the matter and see if you can come to some arrangement. If that is not successful you could apply to the court. Contact the Government Consumer Agency or get legal advice on how to go about this.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-family:Arial;">Insurance</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">10. Do I have to take out insurance?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Your credit provider can insist you take out or pay the cost of types of insurance specifically allowed by law. These are compulsory third party personal injury insurance, mortgage indemnity insurance or insurance over property covered by any mortgage. Otherwise, you can decide if you want to take out insurance or not. </span>
                </p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">11. Will I get details of my insurance cover?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Yes, if you have taken out insurance over mortgaged property or consumer credit insurance and the premium is financed by your credit provider. In that case the insurer must give you a copy of the policy within 14 days after the insurer has accepted the insurance proposal.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Also, if you acquire an interest in any such insurance policy which is taken out by your credit provider then, within 14 days of that happening, your credit provider must ensure you have a written notice of the particulars of that insurance.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">You can always ask the insurer for details of your insurance contract. If you ask in writing your insurer must give you a statement containing all the provisions of the contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">12. If the insurer does not accept my proposal, will I be told?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Yes, if the insurance was to be financed by the credit contract. The insurer will inform you if the proposal is rejected.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">13. In that case, what happens to the premiums?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial">Your credit provider must give you a refund or credit unless the insurance is to be arranged with another insurer. </span>
                </p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-family:Arial;">General</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">14. What do I do if I cannot make a repayment?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Get in touch with your credit provider immediately. Discuss the matter and see if you can come to some arrangement. You can ask your credit provider to change your contract in a number of ways, for example -</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> &#9679; to extend the term of the contract and either reduce the amount of each payment accordingly or defer payments for a specified period; or</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> &#9679; to simply defer payments for a specified period.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">15. What if my credit provider and I cannot agree on a suitable arrangement?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">If you have been unemployed, sick or there is another good reason why you are having problems with your contract, then your contract may be able to be changed to meet your situation.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">You may be able to apply to the court. Contact your Government Consumer Agency or get legal advice on how to go about this.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">There are other people, such as financial counsellors, who may be able to help.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">16. Can my credit provider take action against me?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Yes, if you are in default under your contract. But the law says that you cannot be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact your Government Consumer Agency or the Trade Practices Commission, or get legal advice.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">17. Do I have any other rights and obligations?</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Yes. The law will give you other rights and obligations. You should also <b>READ YOUR CONTRACT </b>carefully.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b ><span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">IF YOU HAVE ANY COMPLAINTS ABOUT YOUR CREDIT CONTRACT, OR WANT MORE INFORMATION, CONTACT YOUR CREDIT PROVDIER. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH YOUR CREDIT PROVIDER BEFORE CONTACTING YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE RESOLUTION SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOVLED AFTER SPEAKING TO YOUR CREDIT PROVIDER YOU CAN CONTACT YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE REOSLUTION SCHEME OR GET LEGAL ADVICE. </span></b>
                </p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b ><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b ><span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b ><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">EXTERNAL DIPSUTE REOSLUTION IS A FREE SERVICE ESTABLISHED TO PROVDIE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFCI COMPLAINTS. YOUR CREDIT PROVIDER’S EXTERNAL DISPUTE RESOLUTION PROVIDER IS:</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b ><span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b ><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;  ">THE CREDIT OMBUDSMAN SERVICE LIMITED</span></b><b ><span lang="EN-AU" style="font-size:10.0pt;  font-family:Arial;"></span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b ><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b ><span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:  normal;">
                    <b ><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">AND CAN BE CONTACTED AT: <span>Telephone: 1800 138 422; Website: </span></span></b><span lang="EN-AU"><a href="http://www.cosl.com.au"><b ><span style="font-size: 10.0pt; font-family: Arial;  ">www.cosl.com.au</span></b></a></span><b ><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">, Postal Address: PO Box A252, South Sydney, NSW 1235</span></b><b ><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME INFORMATION FROM IT AT A LATER DATE.</span></b><span lang="EN-AU" style="font-family:Arial;"></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="center" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:center;line-height:normal;">
                    <b><span lang="EN-AU" style="font-family: Arial; ">&nbsp;</span></b></p>
                <p align="center" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:center;line-height:normal;">
                    <b><span lang="EN-AU" style="font-family: Arial; ">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; mso-border-top-alt: solid windowtext .5pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">ACCEPTANCE OF SMALL AMOUNT CREDIT CONTRACT OFFER</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">I/we the undersigned (being the Consumer):</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">1. attest that I am/we are over 18 years of age;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">2. understand that, until this Small Amount Credit Contract document is signed by a representative of</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">Max Finance</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">and the undersigned, it constitutes an offer only;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">3. attest that I/we have read and understood a Government Warning Statement regarding alternatives to commercial small amount borrowing;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">4. have read and understood all documentation provided, including the <span>Max Finance</span>Credit Guide,</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">Pre-contractual Statement</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">, Privacy Protection of Information Statement and Declaration, Information</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Statement, <span>Electronic Transactions Permission Agreement</span> and this Contract; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">5. acknowledge receiving a copy of the Credit Guide, <span>Pre-contractual Statement</span>, Privacy Protection of</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Information Statement and Declaration, Information Statement and <span>Electronic Transactions Permission Agreement</span> to keep,; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">6. attest (certify) that I/we have the full power and authority to perform my/our obligations as outlined</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">above; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">7. attest that I/we are in receipt of a regular income; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">8. attest that I/we have been truthful and fulsome in revealing my/our personal financial circumstances; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">9. have been told exactly how much the repayments will be and when such will be due; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">10. have had any question/s satisfactorily answered by <span>Max Finance’s</span>representative; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">11. understand that, once I/we has signed this Contract, I am/we are obliged to pay to <span>Max Finance</span>all</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">amounts due and payable and there are strictly applied financial penalties if I/we fail to meet my/our obligations; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">12. understand that <span>Max Finance</span> will be entitled to take enforcement proceedings against me/us in the event of a default; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">13. understand that, upon signing, a copy of this Small Amount Credit Contract will be provided to me/us to keep; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">14. understand that, if the contract is signed (issued) by two or more consumers, then each consumer is liable, individually and collectively, to pay the full amount of the loan; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">15. understand that this Small Amount Credit Contract specifies permitted fees at the maximum amount allowed under the National Consumer Credit Protection Act and that other financial institutions may offer lower cost provision of funds; and</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> </span>
                </p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">16. have been advised by <span>Max Finance’s</span>representative to consider obtaining independent legal, or other appropriate professional advice regarding the above listed documentation and the associated financial commitment; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">17. have a reasonable belief that it will be financially possible to repay the full amount of the loan on the due date/s; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">18. accept that the provision of funds under the Small Amount Credit Contract is not contingent on using any other <span>Payday King</span>, or <span>Max Finance</span>recommended, product or service; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">19. accept the terms and conditions included in this Small Amount Credit Contract; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">20. attest that I/we have revealed the existence of all credit contracts, leases, hire purchase and/or pawn broking arrangements that I/we may have entered into and that are still current;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">21. attest that I/we do not currently have any unsatisfied court judgements recorded against me/us; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">22. attest that there is no litigation, tax claim, proceeding or dispute pending, the adverse determination of which might materially and adversely affect the ability to satisfy the obligations as listed above; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">23. attest that, in the ninety (90) days prior to signing this document, I/we were not aware of committing an act of bankruptcy, or having entered into a Part IX (9) or a Part X (10) arrangement; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">24. to the best of my/our knowledge, I/we do not have any mental condition that would affect my/our ability to understand the obligations outlined above; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">25. accept that, in the event of any dispute or hardship issue, I/we will contact <span>Max Finance’s</span>IDR Manager, before contacting the External Dispute Resolution scheme; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">26. attest that the loan satisfies my/our requirements and objectives; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">27. accept the Small Amount Credit Contract offer and agree to the terms and conditions as set out in this Small Amount Credit Contract.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">28. attest that <span style="color:#0070C0">I have had any and all questions concerning the Credit Provider, the Small Amount Credit Contract and my associated rights and obligations, answered to my complete satisfaction by the Credit Provider&#39;s representative, before signing this document and any other document associated with the Small Amount Credit Contract.</span></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;;color:#0070C0">29. attest that I have been encouraged by the Credit Provider to compare the terms, conditions and costs associated with the Small Amount Credit Contract that I have entered into with the Credit Provider, with other funds providers’ financial products.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"><o:p>&nbsp;</o:p></span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="center" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:center;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">IMPORTANT</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="8" style="width:49%;border:solid windowtext 1.0pt;border-top:none;padding:0in 5.4pt 0in 5.4pt;vertical-align:top" >
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">BEFORE YOU SIGN</span></b></p>
                <p class="MsoListParagraphCxSpFirst" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> &#9679;&nbsp;&nbsp; READ THIS LOAN CONTRACT DOCUMENT carefully, so that you know exactly what contract you are entering into and what you will have to do under the contract.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> &#9679;&nbsp;&nbsp; You should also read the information statement: “THINGS YOU SHOULD KNOW ABOUT YOUR PROPOSED CREDIT CONTRACT”.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> &#9679;&nbsp;&nbsp; Fill in or cross out any blank spaces.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> &#9679;&nbsp;&nbsp; Make sure you are given a copy of this contract document.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                  <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">  &#9679;&nbsp;&nbsp;<b> Do not sign </b>this contract document if there is anything you do not understand. Do not hesitate to ask questions of <span>Max Finance’s</span> representative.</span></p>
                <p class="MsoListParagraphCxSpLast" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> &#9679;&nbsp;&nbsp; Remember - you can take this contract offer document to a solicitor and/or other professional adviser of your choice, to obtain independent advice before you sign.</span></p>
            </td>
            <td colspan="1" style="width:2%;border-top:none;border-left:solid windowtext 1.0pt;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt">
             
            </td>
            <td colspan="8" style="width:49%;border-bottom: solid windowtext 1.0pt;  padding: 0in 5.4pt 0in 5.4pt;  vertical-align:top">
               <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">THINGS YOU MUST KNOW</span></b></p>
                <p class="MsoListParagraphCxSpFirst" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">  &#9679;&nbsp;&nbsp; Once you sign this contract document, you will be bound by it. However, you may end the contract before you obtain credit, or a card or other means is used to obtain goods or services for which credit is to be provided under the contract, by telling <span>Max Finance</span>in writing, but you will still be liable for any fees or charges already incurred.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">  &#9679;&nbsp;&nbsp; You <b>do not </b>have to take out consumer credit insurance unless you want to.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">  &#9679;&nbsp;&nbsp; If you take out insurance, Max Financecannot insist on any particular insurance company.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">  &#9679;&nbsp;&nbsp; This contract does not provided for an interest rate.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">  &#9679;&nbsp;&nbsp; The consumer/s will not be charged for any fees and charges not specified in this document.</span></p>
                <p class="MsoListParagraphCxSpLast" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">  &#9679;&nbsp;&nbsp; Max Finance <b> will not </b> charge a fee if you pay out your contract early unless in the event of default.</span></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Electronic Transaction Acknowledgment</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">As permitted under the State and Commonwealth Electronic Transactions legislation, the Consumer hereby:</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">1. Consents to the electronic formation of this Contract; and</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">2. Acknowledges and agrees that by signing this Contract electronically, in accordance with the procedure contained on <span>Max Finance’s</span> website located at <span>www.maxmoney.com.au</span> <span>where this Contract is available for viewing</span>, downloading and printing, the Consumer has signified that they have carefully read and fully understood and agreed to be bound by the terms and conditions as contained in this Contract<b></b></span></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;vertical-align:top" >
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;vertical-align:top"  >
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Privacy and Electronic Signature Acknowledgment</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">By inputting the unique verification code sent to your nominated mobile telephone number via SMS (“Verification Code”) in the field below and clicking “ACCEPT”, You (being the person(s) nominated in the above documentation as the Consumer, shall be deemed to have consented to:</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoListParagraphCxSpFirst" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> <b>1.</b>&nbsp;&nbsp; The Credit Provider using your personal information in accordance with its Privacy Policy located <span>at <span style="color:blue">www.paydayking.com.au/privacypolicy</span></span><span style="color:black">, including undertaking the required identity and credit report checks; and</span></span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> <b>2.</b>&nbsp;&nbsp; Using the Verification Code as your electronic signature in accordance with the applicable State and  Commonwealth Electronic Transactions Acts for the purposes of:</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    &nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"><b>a.</b>&nbsp;&nbsp; confirming your identity as the Consumer; and
                <p class="MsoListParagraphCxSpLast" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                     &nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"><b>b.</b>&nbsp;&nbsp; signing the above documentation, signifying that you have read, understood and agreed to be bound by the terms and conditions contained therein.</span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
              
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoListParagraphCxSpFirst" style="margin:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">This agreement is designed to be signed electronically.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">&nbsp;</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial;">After you have electronically signed this contract, your name(s) and the date you sign it will appear here.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">&nbsp;</span></p>
                <p class="MsoListParagraphCxSpLast" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <span lang="EN-AU" style="font-size: 10.0pt; font-family: Arial; ">Mr. James Bryant 16/09/2013</span><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"><span>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><b><i><span style="color:red">(from Loan ranger)</span></i></b></span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="center" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:center;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size: 12.0pt; font-family: Arial;">EziDebit Page (To be provided)</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size: 12.0pt; font-family: Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size: 12.0pt; font-family: Arial;">Sign DDR</span><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;"> page</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;">Bank:</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;">Account No.<br />
                    BSB</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext; border-bottom: 1.0pt solid windowtext; padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p align="center" class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;text-align:center;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size: 12.0pt; font-family: Arial;">EziDebit Page (To be provided)</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;">&nbsp;</span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size: 12.0pt; font-family: Arial;">DDR term and condition page</span><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;"></span></b></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal;">
                    <b><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;">&nbsp;</span></b></p>
            </td>
        </tr>
        <tr>
            <td colspan="17" style="border-left: 1.0pt solid windowtext; border-right: 1.0pt solid windowtext;  padding: 0in 5.4pt 0in 5.4pt; border-top-style: none; border-top-color: inherit; border-top-width: medium;" valign="top">
                <p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;text-indent:-.5in;line-height:normal">
                    <span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></p>
                <p align="center" class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;text-align:center;text-indent:-.5in;line-height:normal">
                    <b><span lang="EN-AU" style="font-size:14.0pt;font-family:Arial;">Loan Maintenance FAQs</span></b></p>
                <p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;text-indent:-.5in;line-height:normal">
                    <span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></p>
                <table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse:collapse;border:none;">
                    <tr>
                        <td style="width:318.7pt;border:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt" valign="top" width="425">
                            <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                                <b><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;color:#C00000">This Quick Reference Guide helps both parties to have a better</span></b></p>
                            <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                                <b><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;color:#C00000">understanding, to build a long term good relationships, and we are here to help you build a good credit history. </span><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;">All terms and</span></b></p>
                            <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                                <b><span lang="EN-AU" style="font-size:12.0pt;font-family:Arial;">conditions are subject to the Credit Provider&#39;s loan contract.</span></b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"></span></p>
                        </td>
                    </tr>
                </table>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> <b> 1.- Pay-off / Extension </b> ( at least 7 working days notice ):</span></p>
                <p class="MsoListParagraph" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                   &nbsp;&nbsp;&nbsp;&nbsp; <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&#10003;&nbsp;&nbsp;Loans can be repaid early and save interest.</span></p>
                <p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;text-indent:-.5in;line-height:normal">
                    <span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> <b>2.- Repayment Method:</b></span></p>
                <p class="MsoListParagraphCxSpFirst" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&#10003;&nbsp;&nbsp;Ensure sufficient clear funds are in your nominated account on the due day<b><u> until </u></b>deduction is made.</span></p>
                <p class="MsoListParagraphCxSpLast" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&#10003;&nbsp;&nbsp;If you pay other than by our directly debiting your bank account, that incurs a Manual Bookkeeping Fee of <span>$10.00 for</span> administration &amp; bookkeeping work (Ascertainable).</span></p>
                 
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">3.- Loan Maintenance </span></b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">Request Procedure: DDR- &quot;Bank details change / Re-schedule &quot; </span>
                </p>
                <p class="MsoListParagraphCxSpFirst" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&#10003;&nbsp;&nbsp;Reschedule Fee require <span>$20.00</span> per service; contact us for the right procedures.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&#10003;&nbsp;&nbsp;All above services need at least 3 business days notices in writing (Email, facsimile or letter by post) to take effect. Over-the-phone and SMS will not be
                         accepted for these services.In order to avoid misunderstanding, these services may request sent by email must be from the email address recorded in loan
                         contract or in our record, facsimile must be signed by the borrowers (s), letter by post it may needs two or more days to take effect.
                         Once your request is received, we will contact you to confirm your services.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&#10003;&nbsp;&nbsp;The loan term will not be extended by rescheduling or postponement unless you have applied loan extension and obtained written approval from the lender.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&#10003;&nbsp;&nbsp;Postponement will not affect the previous repayment schedule. In order to provide effective services, we do not provide over the counter service and highly recommend you to contact us by email or facsimile. This can avoid any misunderstanding.</span></p>
                <p class="MsoListParagraphCxSpLast" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&#10003;&nbsp;&nbsp;It may take up to 48 hours for payout figure to be issued.</span></p>
               
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> <b>4.-Important - If your Direct Debit fails </b> </span>
                </p>
                <p class="MsoListParagraphCxSpFirst" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">&#10003;&nbsp;&nbsp; A <b> $35 </b>dishonour administration fee </span>
                </p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">&#10003;&nbsp;&nbsp; Amounts overdue 60 days would result in default on your credit file with Credit Report Agencies.</span></p>
                <p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;margin-bottom:.0001pt;text-indent:-.25in;line-height:normal;">
                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">&#10003;&nbsp;&nbsp; The default case may be handled by Collection Agent / Legal &amp; Debt Recovery Team directly.</span></p>
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                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">&#10003;&nbsp;&nbsp; This may affects you from obtaining any credit cards, mortgages or accessing any credit may for up to 7 years.</span></p>
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                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">&#10003;&nbsp;&nbsp; Any communication from you to us may be needed in writing for record purposes.</span></p>
                
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> <b>5.Change address / contact number / Electronic address</b></span>></p>
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                    &nbsp;&nbsp;&nbsp;&nbsp;<span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">&#10003;&nbsp;&nbsp; You must update your information with the Lender in 14 days or be considered as event of default.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;color:black">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:#C00000"> <b>6.-WARNING - Hardship - Please contact us ASAP at: </b></span><span lang="EN-AU"><a href="mailto:Account@MaxFinance.com.au"><b><span style="font-size:10.0pt;font-family:Arial;">Account@MaxFinance.com.au</span></b></a></span><b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:#C00000"> </span></b>
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                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:#C00000"><b>7.-WARNING - Dispute / Complaint: </b></span>
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                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;"> <b> We are dedicated to providing Quality Service.</b> </span><i><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;">We are here to help you build a good credit history&quot;. </span></i><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;;color:black">Contact us by email on account@MorganFinance.com.au and explain your concern.</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">We can usually resolve the matter amicably, without delay.</span></p>
                <p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;text-indent:-.5in;line-height:normal">
                    <span lang="EN-AU" style="font-size:2.0pt;font-family:Arial;">&nbsp;</span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:#C00000">8.-Need Help? - Understand the Asset Maintenance Service Centre - </span></b><span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;;color:#C00000">02 8007 6810<b></b></span></p>
                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">Most clients we would not have a chance to communicate with <span>them</span> as they repay on time and with little maintenance required, we genuinely appreciate those clients. If you need help,<span>&nbsp; </span>please be patience because a few high maintenance clients may occupy the telephone lines. </span>
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                <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:normal">
                    <span lang="EN-AU" style="font-size:10.0pt;font-family:Arial;color:black">Your email for help is time saving and much appreciated.</span></p>

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                  <img src="email.png" />
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                <p class="MsoNormal" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;text-indent:-.5in;line-height:normal">
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                    <b><i><span lang="EN-AU" style="font-size: 12.0pt; font-family: Arial; color: #538ED5;float:left " >A few words of appreciation from you may make our </span></i></b>
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                    <b><i><span lang="EN-AU" style="font-size: 12.0pt; font-family: Arial; color: #538ED5;float:left">community more harmonious and encourage </span></i></b>
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                    <b><i><span lang="EN-AU" style="font-size: 12.0pt; font-family: Arial; color: #538ED5;float:left">our team to provide you with a better service.</span></i></b>
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                    <span lang="EN-AU" style="font-size: 9.0pt; font-family: Arial;float:left"><span>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span>
                    <b><i><span lang="EN-AU" style="font-size: 9.0pt; font-family: Arial;float:left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Thank you in advance for your time and effort</span></i></b>
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